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There seems to be a perception out there that the financial problems of the UK over the past eight years have been caused by UK borrowers with historical credit problems being given mortgages.
I suspect Jason our OP getting a mortgage with a 25 or 30% deposit is not going to drag us back under anytime soon.I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
Thrugelmir wrote: »Being an existing customer is an advantage. Rather than a totally unknown quantity as far as the lender is concerned. What may also influence the outcome is the creditors you defaulted on. Barclaycard not being part of the banking group that the mortgage is through. So there's various facets to be considered post DMP.
Yeh, although I defaulted on a Bank of Scotland credit card and a Bank of Scotland overdraft.
I'm surprised but not complaining.Save 12k in 2014 member 056
£0.00/£70000
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